Southwest Airlines FCU Mortgage Lending & HMDA Data, 2022

In 2022, Southwest Airlines FCU of Dallas, TX reported 579 mortgage applications totaling $82.6 million, down 1% from 2021. The average application was for $142,668, and applicants reported an average income of $152,386. 70% of its applications resulted in an originated loan and 30% were denied. Its largest markets were Dallas-Plano-Irving, TX (143), Phoenix-Mesa-Scottsdale, AZ (65) and Fort Worth-Arlington, TX (44) (applications in parentheses).

Mortgage Company & Address Southwest Airlines FCU
2340 Shorecrest
Dallas, TX 75235
Tel #: available with data download
Federal Regulator * available with data download
Years 2025  2024  2023  2022  2021  2020  2019  2018  2017  2016  2015  2014  2013  2012  2011  2010  2009  2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 579
Total Mortgage Loan Application Amount $82,605,000
Average Mortgage Loan Application Amount $142,668
Highest Mortgage Loan Application Amount $765,000
Average Applicant Income $152,386
Highest Applicant Income $843,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Southwest Airlines FCU filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

Mortgage Loan Application Totals for Southwest Airlines FCU by County in 2022

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Dallas, Texas 59 $ 9,415,000 $ 159,576 $ 149,000
Maricopa, Arizona 58 $ 6,940,000 $ 119,655 $ 145,000
Tarrant, Texas 38 $ 6,230,000 $ 163,947 $ 165,000
Denton, Texas 36 $ 6,300,000 $ 175,000 $ 194,000
Clark, Nevada 26 $ 3,580,000 $ 137,692 $ 215,000
Harris, Texas 21 $ 2,635,000 $ 125,476 $ 100,000
Collin, Texas 18 $ 3,280,000 $ 182,222 $ 179,000
Ellis, Texas 14 $ 3,380,000 $ 241,428 $ 151,000
Cook, Illinois 10 $ 1,150,000 $ 115,000 $ 114,000
Kaufman, Texas 9 $ 1,085,000 $ 120,555 $ 124,000
Montgomery, Texas 9 $ 1,185,000 $ 131,666 $ 200,000
Pinal, Arizona 7 $ 625,000 $ 89,285 $ 101,000
Orange, Florida 7 $ 735,000 $ 105,000 $ 231,000
Broward, Florida 6 $ 880,000 $ 146,666 $ 144,000
Osceola, Florida 6 $ 640,000 $ 106,666 $ 123,000
Clayton, Georgia 6 $ 620,000 $ 103,333 $ 80,000
Galveston, Texas 6 $ 600,000 $ 100,000 $ 159,000
Hillsborough, Florida 5 $ 415,000 $ 83,000 $ 125,000
Rockwall, Texas 5 $ 1,135,000 $ 227,000 $ 120,000
Okaloosa, Florida 4 $ 410,000 $ 102,500 $ 117,000
Pasco, Florida 4 $ 400,000 $ 100,000 $ 200,000
DeKalb, Georgia 4 $ 460,000 $ 115,000 $ 96,000
Fayette, Georgia 4 $ 390,000 $ 97,500 $ 249,000
Gwinnett, Georgia 4 $ 420,000 $ 105,000 $ 112,000
Habersham, Georgia 4 $ 740,000 $ 185,000 $ 43,000
Anne Arundel, Maryland 4 $ 180,000 $ 45,000 $ 130,000
Bexar, Texas 4 $ 880,000 $ 220,000 $ 62,000
Brazoria, Texas 4 $ 680,000 $ 170,000 $ 157,000
Los Angeles, California 3 $ 205,000 $ 68,333 $ 110,000
Denver, Colorado 3 $ 705,000 $ 235,000 $ 124,000
Larimer, Colorado 3 $ 235,000 $ 78,333 $ 173,000
Brevard, Florida 3 $ 275,000 $ 91,666 $ 219,000
Cherokee, Georgia 3 $ 125,000 $ 41,666 $ 202,000
Cobb, Georgia 3 $ 255,000 $ 85,000 $ 154,000
Fulton, Georgia 3 $ 175,000 $ 58,333 $ 74,000
Will, Illinois 3 $ 405,000 $ 135,000 $ 149,000
Lake, Indiana 3 $ 225,000 $ 75,000 $ 141,000
Parker, Texas 3 $ 875,000 $ 291,666 $ 76,000
Pima, Arizona 2 $ 90,000 $ 45,000 $ 88,000
Benton, Arkansas 2 $ 190,000 $ 95,000 $ 74,000
Solano, California 2 $ 90,000 $ 45,000 $ 65,000
Douglas, Colorado 2 $ 180,000 $ 90,000 $ 158,000
Jefferson, Colorado 2 $ 270,000 $ 135,000 $ 371,000
Manatee, Florida 2 $ 130,000 $ 65,000 $ 108,000
Pinellas, Florida 2 $ 550,000 $ 275,000 $ 98,000
Coweta, Georgia 2 $ 340,000 $ 170,000 $ 187,000
Henry, Georgia 2 $ 220,000 $ 110,000 $ 74,000
Wayne, Michigan 2 $ 300,000 $ 150,000 $ 49,000
Caldwell, Missouri 2 $ 220,000 $ 110,000 $ 119,000
Wake, North Carolina 2 $ 90,000 $ 45,000 $ 130,000
Cleveland, Oklahoma 2 $ 240,000 $ 120,000 $ 73,000
Davidson, Tennessee 2 $ 310,000 $ 155,000 $ 80,000
Williamson, Tennessee 2 $ 260,000 $ 130,000 $ 187,000
Wilson, Tennessee 2 $ 110,000 $ 55,000 $ 113,000
El Paso, Texas 2 $ 140,000 $ 70,000 $ 69,000
Fort Bend, Texas 2 $ 70,000 $ 35,000 $ 112,000
Hood, Texas 2 $ 160,000 $ 80,000 $ 192,000
Hunt, Texas 2 $ 450,000 $ 225,000 $ 195,000
Johnson, Texas 2 $ 800,000 $ 400,000 $ 162,000
Travis, Texas 2 $ 600,000 $ 300,000 $ 412,000
Salt Lake, Utah 2 $ 260,000 $ 130,000 $ 185,000
Clark, Washington 2 $ 150,000 $ 75,000 $ 74,000
Spokane, Washington 2 $ 170,000 $ 85,000 $ 111,000
Baldwin, Alabama 1 $ 125,000 $ 125,000 $ 64,000
Yavapai, Arizona 1 $ 505,000 $ 505,000 $ 232,000
Conway, Arkansas 1 $ 105,000 $ 105,000 $ 230,000
Miller, Arkansas 1 $ 125,000 $ 125,000 $ 67,000
Polk, Arkansas 1 $ 65,000 $ 65,000 $ 100,000
Saline, Arkansas 1 $ 15,000 $ 15,000 $ 115,000
El Dorado, California 1 $ 35,000 $ 35,000 $ 87,000
Merced, California 1 $ 35,000 $ 35,000 $ 60,000
Monterey, California 1 $ 85,000 $ 85,000 $ 106,000
Orange, California 1 $ 55,000 $ 55,000 $ 294,000
Placer, California 1 $ 85,000 $ 85,000 $ 175,000
Riverside, California 1 $ 75,000 $ 75,000 $ 70,000
Sacramento, California 1 $ 55,000 $ 55,000 $ 90,000
San Diego, California 1 $ 75,000 $ 75,000 $ 362,000
San Joaquin, California 1 $ 435,000 $ 435,000 $ 79,000
San Mateo, California 1 $ 205,000 $ 205,000 $ 167,000
Sonoma, California 1 $ 145,000 $ 145,000 $ 249,000
Ventura, California 1 $ 75,000 $ 75,000 $ 222,000
Adams, Colorado 1 $ 65,000 $ 65,000 $ 118,000
Arapahoe, Colorado 1 $ 225,000 $ 225,000 $ 181,000
Broomfield, Colorado 1 $ 65,000 $ 65,000 $ 0
Eagle, Colorado 1 $ 155,000 $ 155,000 $ 366,000
El Paso, Colorado 1 $ 105,000 $ 105,000 $ 375,000
New Haven, Connecticut 1 $ 45,000 $ 45,000 $ 129,000
Bay, Florida 1 $ 245,000 $ 245,000 $ 137,000
Citrus, Florida 1 $ 205,000 $ 205,000 $ 150,000
Collier, Florida 1 $ 55,000 $ 55,000 $ 62,000
Lake, Florida 1 $ 85,000 $ 85,000 $ 139,000
Lee, Florida 1 $ 25,000 $ 25,000 $ 65,000
Miami-Dade, Florida 1 $ 105,000 $ 105,000 $ 81,000
Palm Beach, Florida 1 $ 525,000 $ 525,000 $ 216,000
Polk, Florida 1 $ 205,000 $ 205,000 $ 77,000
Sarasota, Florida 1 $ 155,000 $ 155,000 $ 228,000
Sumter, Florida 1 $ 55,000 $ 55,000 $ 54,000
Volusia, Florida 1 $ 55,000 $ 55,000 $ 135,000
Forsyth, Georgia 1 $ 205,000 $ 205,000 $ 388,000
Muscogee, Georgia 1 $ 35,000 $ 35,000 $ 48,000
Oconee, Georgia 1 $ 65,000 $ 65,000 $ 132,000
Pike, Georgia 1 $ 85,000 $ 85,000 $ 192,000
Stephens, Georgia 1 $ 105,000 $ 105,000 $ 147,000
Boise, Idaho 1 $ 105,000 $ 105,000 $ 414,000
Latah, Idaho 1 $ 315,000 $ 315,000 $ 64,000
DuPage, Illinois 1 $ 285,000 $ 285,000 $ 185,000
Winnebago, Illinois 1 $ 125,000 $ 125,000 $ 337,000
Johnson, Indiana 1 $ 135,000 $ 135,000 $ 464,000
Porter, Indiana 1 $ 105,000 $ 105,000 $ 389,000
Tippecanoe, Indiana 1 $ 205,000 $ 205,000 $ 185,000
Johnson, Kansas 1 $ 275,000 $ 275,000 $ 125,000
Caddo, Louisiana 1 $ 95,000 $ 95,000 $ 91,000
Orleans, Louisiana 1 $ 155,000 $ 155,000 $ 70,000
St. John the Baptist, Louisiana 1 $ 65,000 $ 65,000 $ 120,000
York, Maine 1 $ 385,000 $ 385,000 $ 156,000
Baltimore, Maryland 1 $ 45,000 $ 45,000 $ 50,000
Worcester, Maryland 1 $ 85,000 $ 85,000 $ 122,000
Barnstable, Massachusetts 1 $ 405,000 $ 405,000 $ 0
Bristol, Massachusetts 1 $ 75,000 $ 75,000 $ 85,000
Norfolk, Massachusetts 1 $ 35,000 $ 35,000 $ 177,000
Chippewa, Michigan 1 $ 115,000 $ 115,000 $ 130,000
Kent, Michigan 1 $ 55,000 $ 55,000 $ 127,000
Macomb, Michigan 1 $ 375,000 $ 375,000 $ 0
Beltrami, Minnesota 1 $ 235,000 $ 235,000 $ 115,000
Lafayette, Mississippi 1 $ 335,000 $ 335,000 $ 442,000
Cass, Missouri 1 $ 85,000 $ 85,000 $ 157,000
Clay, Missouri 1 $ 45,000 $ 45,000 $ 100,000
Clinton, Missouri 1 $ 265,000 $ 265,000 $ 178,000
Lafayette, Missouri 1 $ 215,000 $ 215,000 $ 186,000
Platte, Missouri 1 $ 65,000 $ 65,000 $ 154,000
St. Louis, Missouri 1 $ 25,000 $ 25,000 $ 131,000
Elko, Nevada 1 $ 45,000 $ 45,000 $ 137,000
Bernalillo, New Mexico 1 $ 75,000 $ 75,000 $ 45,000
Santa Fe, New Mexico 1 $ 55,000 $ 55,000 $ 117,000
Valencia, New Mexico 1 $ 95,000 $ 95,000 $ 66,000
Essex, New York 1 $ 285,000 $ 285,000 $ 137,000
Davie, North Carolina 1 $ 55,000 $ 55,000 $ 314,000
McDowell, North Carolina 1 $ 55,000 $ 55,000 $ 136,000
Mecklenburg, North Carolina 1 $ 345,000 $ 345,000 $ 156,000
Canadian, Oklahoma 1 $ 65,000 $ 65,000 $ 44,000
Latimer, Oklahoma 1 $ 155,000 $ 155,000 $ 96,000
Le Flore, Oklahoma 1 $ 155,000 $ 155,000 $ 153,000
Wagoner, Oklahoma 1 $ 55,000 $ 55,000 $ 98,000
Lane, Oregon 1 $ 365,000 $ 365,000 $ 146,000
Providence, Rhode Island 1 $ 35,000 $ 35,000 $ 162,000
Colleton, South Carolina 1 $ 25,000 $ 25,000 $ 94,000
Dorchester, South Carolina 1 $ 25,000 $ 25,000 $ 58,000
Greenville, South Carolina 1 $ 55,000 $ 55,000 $ 106,000
Horry, South Carolina 1 $ 85,000 $ 85,000 $ 202,000
Orangeburg, South Carolina 1 $ 105,000 $ 105,000 $ 109,000
Coffee, Tennessee 1 $ 55,000 $ 55,000 $ 157,000
Shelby, Tennessee 1 $ 255,000 $ 255,000 $ 74,000
Sumner, Tennessee 1 $ 55,000 $ 55,000 $ 97,000
Bastrop, Texas 1 $ 65,000 $ 65,000 $ 94,000
Burnet, Texas 1 $ 375,000 $ 375,000 $ 464,000
Caldwell, Texas 1 $ 435,000 $ 435,000 $ 146,000
Cameron, Texas 1 $ 55,000 $ 55,000 $ 106,000
Cass, Texas 1 $ 205,000 $ 205,000 $ 142,000
Fannin, Texas 1 $ 45,000 $ 45,000 $ 175,000
Grayson, Texas 1 $ 75,000 $ 75,000 $ 82,000
Guadalupe, Texas 1 $ 35,000 $ 35,000 $ 97,000
Henderson, Texas 1 $ 335,000 $ 335,000 $ 182,000
Hidalgo, Texas 1 $ 25,000 $ 25,000 $ 38,000
Leon, Texas 1 $ 145,000 $ 145,000 $ 54,000
Marion, Texas 1 $ 285,000 $ 285,000 $ 110,000
Medina, Texas 1 $ 325,000 $ 325,000 $ 152,000
Randall, Texas 1 $ 415,000 $ 415,000 $ 230,000
Reeves, Texas 1 $ 225,000 $ 225,000 $ 132,000
Van Zandt, Texas 1 $ 175,000 $ 175,000 $ 66,000
Williamson, Texas 1 $ 45,000 $ 45,000 $ 97,000
Wise, Texas 1 $ 105,000 $ 105,000 $ 289,000
Iron, Utah 1 $ 125,000 $ 125,000 $ 476,000
Summit, Utah 1 $ 205,000 $ 205,000 $ 189,000
Utah, Utah 1 $ 45,000 $ 45,000 $ 148,000
Augusta, Virginia 1 $ 235,000 $ 235,000 $ 83,000
Jefferson, Washington 1 $ 115,000 $ 115,000 $ 99,000
Walla Walla, Washington 1 $ 595,000 $ 595,000 $ 245,000
Dane, Wisconsin 1 $ 55,000 $ 55,000 $ 235,000
Teton, Wyoming 1 $ 205,000 $ 205,000 $ 170,000

Mortgage Loan Application Detail Totals for Southwest Airlines FCU in 2022

Loan Purpose

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Cash-out Refinancing 295 $31,695,000 $107,000 $505,000 $142,000 $616,000
Home Improvement 110 $9,800,000 $89,000 $255,000 $185,000 $495,000
Home Purchase 110 $31,680,000 $288,000 $675,000 $166,000 $650,000
Refinancing 60 $9,110,000 $151,000 $765,000 $123,000 $843,000
Other Purpose 4 $320,000 $80,000 $115,000 $88,000 $185,000
Not Applicable 0 $0 $0 $0 $0 $0

Applicant Race

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Not Provided 389 $38,615,000 $99,000 $675,000 $163,000 $843,000
White 107 $26,505,000 $247,000 $765,000 $149,000 $650,000
Black or African American 41 $8,915,000 $217,000 $525,000 $111,000 $289,000
Hispanic 32 $6,090,000 $190,000 $345,000 $104,000 $333,000
Not applicable 5 $955,000 $191,000 $375,000 $180,000 $464,000
American Indian or Alaskan Native 2 $810,000 $405,000 $435,000 $137,000 $137,000
Asian 2 $360,000 $180,000 $235,000 $81,000 $103,000
Native Hawaiian or Other Pacific Islander 1 $355,000 $355,000 $355,000 $68,000 $68,000

Loan Type

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 579 $82,605,000 $142,000 $765,000 $153,000 $843,000
FHA-insured (Federal Housing Administration) 0 $0 $0 $0 $0 $0
FSA/RHS (Farm Service Agency or Rural Housing Service) 0 $0 $0 $0 $0 $0
VA-guaranteed (Veterans Administration) 0 $0 $0 $0 $0 $0

Outcome

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Loan Originated 404 $61,430,000 $152,000 $765,000 $172,000 $843,000
Application Denied By Financial Institution 171 $20,705,000 $121,000 $505,000 $110,000 $616,000
Application Withdrawn By Applicant 3 $405,000 $135,000 $255,000 $110,000 $215,000
File Closed For Incompleteness 1 $65,000 $65,000 $65,000 $148,000 $148,000
Application Approved But Not Accepted 0 $0 $0 $0 $0 $0
Loan Purchased By The Institution 0 $0 $0 $0 $0 $0
Preapproval Approved but not Accepted 0 $0 $0 $0 $0 $0
Preapproval Denied by Financial Institution 0 $0 $0 $0 $0 $0

Denial Reason

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Not applicable 408 $61,900,000 $151,000 $765,000 $171,000 $843,000
Credit History 65 $7,895,000 $121,000 $495,000 $114,000 $389,000
Debt-To-Income Ratio 59 $7,825,000 $132,000 $505,000 $75,000 $228,000
Collateral 39 $4,075,000 $104,000 $285,000 $164,000 $616,000
Unverifiable Information 5 $385,000 $77,000 $205,000 $63,000 $115,000
Employment History 2 $290,000 $145,000 $255,000 $56,000 $65,000
Insufficient Cash (Downpayment, Closing Cost) 1 $235,000 $235,000 $235,000 $103,000 $103,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Credit Application Incomplete 0 $0 $0 $0 $0 $0
Other 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Southwest Airlines FCU's 2022 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.

This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics, and assess Southwest Airlines FCU's mortgage approval patterns. Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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